LTV · monthly repayment
▼ 0.50% · 3.625%
HK$60,476
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$62,357
−HK$1,912/mo
Today · 4.125%
HK$64,269
baseline
▲ 0.50% · 4.625%
HK$68,179
+HK$3,910/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$128,538/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,279
−HK$3,635/mo
▼ 0.25% · 3.875%
HK$69,084
−HK$1,830/mo
Today · 4.125%
HK$70,914
baseline
▲ 0.50% · 4.625%
HK$74,652
+HK$3,738/mo
Deposit HK$13.26M · loan HK$13.26M · min. income ≈ HK$141,828/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,127,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,571
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,829
−HK$2,293/mo
Today · 4.125%
HK$77,122
baseline
▲ 0.50% · 4.625%
HK$81,815
+HK$4,693/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$154,244/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,735
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,900
−HK$2,197/mo
Today · 4.125%
HK$85,097
baseline
▲ 0.50% · 4.625%
HK$89,582
+HK$4,485/mo
Deposit HK$10.61M · loan HK$15.91M · min. income ≈ HK$170,194/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,127,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,667
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,300
−HK$2,676/mo
Today · 4.125%
HK$89,976
baseline
▲ 0.50% · 4.625%
HK$95,451
+HK$5,475/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$179,952/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,191
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$96,717
−HK$2,563/mo
Today · 4.125%
HK$99,280
baseline
▲ 0.50% · 4.625%
HK$104,513
+HK$5,233/mo
Deposit HK$7.96M · loan HK$18.57M · min. income ≈ HK$198,560/mo (50% DSR)
Upfront cash ≈ HK$9.08M (deposit + AVD stamp duty HK$1,127,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,857
−HK$6,827/mo
▼ 0.25% · 3.875%
HK$112,243
−HK$3,441/mo
Today · 4.125%
HK$115,684
baseline
▲ 0.50% · 4.625%
HK$122,723
+HK$7,039/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$231,368/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,103
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$124,350
−HK$3,295/mo
Today · 4.125%
HK$127,645
baseline
▲ 0.50% · 4.625%
HK$134,374
+HK$6,729/mo
Deposit HK$2.65M · loan HK$23.87M · min. income ≈ HK$255,290/mo (50% DSR)
Upfront cash ≈ HK$3.78M (deposit + AVD stamp duty HK$1,127,172 · Scale 2, in force from 26 Feb 2026)